Private Money Lending in New Hampshire
New Hampshire's private lending market serves investors in the southern tier (near Boston metro), the Lakes Region, and vacation properties.
This guide covers the essential legal and compliance considerations for private money lenders originating loans secured by real property in New Hampshire. Whether you are a local private money lender or expanding into New Hampshire from another state, understanding these requirements is critical to protecting your investments and ensuring enforceability of your loan documents.
Key Compliance Considerations for New Hampshire
• New Hampshire allows non-judicial foreclosure through power of sale in the mortgage, making it relatively fast at 60-90 days
• There is no specific usury limit for business-purpose loans in New Hampshire
• The state requires 25 days' notice to the borrower and 3 consecutive weeks of publication before foreclosure sale
• New Hampshire has no statutory right of redemption after the foreclosure sale
Generate New Hampshire-Compliant Loan Documents
Automate Loan Docs generates complete, New Hampshire-specific document packages that comply with all applicable state requirements. Every template is drafted by the attorneys at Geraci LLP, whose team has over 30 years of combined experience advising private money lenders across all 50 states — including extensive experience with New Hampshire lending transactions.
This guide is for informational purposes only and does not constitute legal advice. Private lending laws are complex and change frequently. Consult with a qualified attorney before originating loans in New Hampshire. The attorneys at Geraci LLP are available for state-specific legal consultation.
Related: Usury Laws by State | Deed of Trust vs Mortgage | Multi-State Lending Guide | Glossary